Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited


1 Neutral

1 Follower

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Is there no way that I can object to it? I notice a "Set Aside Applications entered electronically" at the bottom of the MCOL page (although I can't see how one is entered on the site).
  2. I get the feeling that I'm sunk on this one then - ho hum.
  3. Checking on MCOL there's now a new entry - DQ sent to you on 09/09/2021 DQ filed by claimant on 09/09/2021 Both of which are way after the 33 day limit.
  4. So should I hold fire and wait for that, or is there something that should be looking into? I have to say, all these various forms/actions/timings are somewhat confusing to the lay person (even having read up the cases on here).
  5. One thing I find a little odd - MCOL lists the acknowledgement being received on the 29th of June and that the defence was received on the 26th of July. I've read that they have 33 days to decide whether to go ahead, which would be something like the 29th of this month - next Monday - is that correct? I only got the stuff back from them yesterday. Sorry about the memory bit! Years ago (despite being ex IT myself) I used to set everything up as printed in filing cabinets - especially as credit agreements were actually signed with a pen on paper! Now with you being able to just "click", it makes the whole thing rather "nebulous" - and trying to remember what I clicked on 3+ years nigh on impossible. I may have to go back to printing everything out...
  6. Yes, I've been reading through them - that's why I asked about mediation (that was one of the examples)
  7. So.... What should I do? Do I go for the mediation?
  8. I've only got the one PDF editor (I normally do everything in DOCX) - I opened it up again and it wouldn't let me undo the changes, so I thought that it was OK - hopefully this one's better. What do you use to redact stuff then? There was a default notice from Vanquis - way back when - they included it in the bumph (I've included a copy). As for signing - I have no memory, but I guess that it must have been online. Original default.pdf
  9. Right - I've received a fairly weighty missive from Overdales... With pages of transactions... Apart from that, there's a missive from Vanquis from when everything went belly up for me... A standard agreement (as you would get if you just enquired about a card) with an overprint at the bottom of the last page with my name printed on it docs1 .pdf
  10. Nope - the email from this morning is the only communication that we've had.
  11. Just had the following land in my email: We've not had any phones ring (so they may have an incorrect number for us) - it's taken them almost a month just to acknowledge the SAR...
  12. 3 days to go then - what do I do if I don't hear anything?
  13. OK, so - the CAB suggested that I put in one of their standard letters demanding that they adjust my bill as, by OFGEM's rules, they can't bill for anything older than a year (to stop exactly this - estimated bill piling up a huge outstanding balance). So far I've not heard a peep from them - not even an acknowledgement that they've received either of the letters. Do I go to OFGEM now?
  14. Ah, OK - I've only received the acknowledgement of the defence this morning (posted on the 26th).
  • Create New...